Hennepin County Home Repair Grants (2026)

A genuinely forgivable loan, with a real waitlist

Run through the county's Housing Development and Finance division (its Healthy Homes program), this loan requires no monthly payments and no interest — the entire balance is forgiven after 15 years as long as you keep title to the home and continue living in it. The catch is demand: the county's own materials note a waitlist for non-emergency repairs, so timing matters more here than with some other programs on this list.

Eligibility and how to apply

• Location: must reside in Hennepin County outside Minneapolis, which runs its own separate program.
• Ownership: must live in and own the home.
• Income: limits scale by household size, roughly $72,950 (1 person) to $137,550 (8 person) — the county's page doesn't state this as an exact percentage of AMI.
• Qualifying repairs: must address health, safety, or maintenance issues.
• Terms: forgivable deferred loan, 0% interest, no monthly payments, forgiven after 15 years.
• Timing: a waitlist exists for non-emergency repairs — apply as early as possible.
• Apply: through Hennepin County — see hennepincounty.gov/services/grants-funding-opportunities/home-repair-maintenance-loans.

Pro tip from our network contractors

Given the waitlist for non-emergency repairs, get on the list as soon as you know you'll need help — even before you have a full contractor estimate — rather than waiting until the project is fully planned out.

If you live in Minneapolis instead

Minneapolis runs its own separate financing program — an interest rate subsidy that can bring a repair loan down to 0%, plus its own deferred loan up to $25,000 — see our Minneapolis home repair financing guide, and Minnesota's statewide Rehabilitation Loan Program in our government home repair grants by state guide.